Know the value of MT insurance

With so much focus on each client, as well as your own techniques and state of mind, it may be rather difficult to keep track of the business side of your massage therapy or bodywork practice. In fact, quite a few massage therapists and bodyworkers enter this field with little knowledge about business, and little desire to concentrate on basic business concepts.

Although more and more massage therapy and bodywork schools are creating classes to teach aspiring practitioners how to run the business side of their practices, there is still a large gap in some fairly critical areas of business. Fortunately, once massage therapists and bodyworkers become willing to figure out what they need to know or do, the process is rarely as complex as they may have imagined.

One of the basic business concepts that massage therapists and bodyworkers should know about and understand is the concept of insuring one’s practice. For many massage therapists and bodyworkers, the notion of needing liability insurance may seem foreign or even off base, especially without an understanding of what massage therapy liability insurance entails.

Securing a solid massage therapy liability insurance policy is a wise move for your business as a massage therapists insurance or bodyworker. However, before you can fully understand why this is the case, you need to be able to view what you do as a business. Remember, your clients are coming to you to exchange their money for your services—the hands on healing work that you provide.

It is true that this can be a much more personal and even spiritual exchange than going to the grocery store to buy potatoes or paying to have your car washed, but massage therapy and bodywork practices are still considered a businesses, just like the grocery store and the car wash.

Therefore, your business needs the protection of massage therapy liability insurance, as you never know when a client may have an accident on your property, or leave a session and later conclude that a technique or product you used is the source of an injury.

With a high quality massage therapy liability insurance policy, you will have the peace of mind that comes from knowing you are protected in case any one of these rare, but possible, occurrences does take place. Your massage therapy liability insurance should provide specific protection for each one of the above scenarios.

For example, the general liability portion of your massage insurance policy would be there to protect you and your practice in case a client had an accident on your property, such as a slip, trip or fall.

If a client came to believe that a lack of competence or skill on your part as a massage therapist or bodyworker was the cause of harm or injury, then you would need the coverage of the malpractice or professional liability portion of your massage therapy liability policy.

Similarly, if a client decided to file a claim against you due to damage or injury from a product used during the appointment, such as your massage lubricant, then you would need the coverage of the product liability portion of your massage therapy liability insurance.

Now that you understand the basic need for liability insurance, remember that you are running a business—and protect it.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection Plan Association, Inc. The Identity The Doyle Group is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. The Doyle Group d/b/a Massage Magazine Insurance Plus is the insurance partner for Massage Magazine and Protection Plan Association, Inc. members. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Insurance Plus program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Insurance Plus is not an insurer. 820 A1A N Highway, Suite W18 Ponte Vedra Beach, FL 32082